For the purpose of experience rating, immediate family includes parent, spouse, registered domestic partner, child, stepchild, grandchild or grandparent.

The date on which coverage by a policy commences.

The total of the paid indemnity and medical losses (claim amounts already paid) plus the future reserves (claim amounts expected to be paid in the future).

In general, an amount paid to an injured worker as a partial replacement of wages due to an injury. Indemnity also includes vocational rehabilitation-type benefits.

A description of an employer's business processes that is prepared by the WCIRB after inspecting the employer's business premises. The report assigns classifications to employees, departments, or operations for statistical reporting purposes. An insurer also may use the assigned classifications for premium computation and underwriting purposes.